Financing with a 35-year fixed interest rate

The example was from Hypovereinsbank (directly requested there without an intermediary) and has a 2.1% repayment.

But I have to say that we wouldn't be finished in 25 years. It would then be 36 years. We didn’t want to exceed a rate of €1000. Desire to have children, in case one of them drops out, etc. We would then save as much as possible additionally within the 25 years.

1.96% at 80% and 25 years.

too expensive. DEVK currently 1.46% with those parameters. Allianz varies greatly by region in my experience. DEVK goes up to max. 80% and calculates rather conservatively, but offers top conditions in the long-term range.

Only 1.46%? Hardly imaginable. I've asked anyway. Let's see what comes of it.

The big problem in my eyes is that every bank views the loan-to-value ratio differently and the household budget calculation also varies greatly.

We had a financing advisor and are very satisfied.

At the end of May, we signed at 1.95% with 80% loan-to-value for 25 years. The bank was PSD Nürnberg. Since these 5 weeks until now, the interest rate has fallen by an incredible 0.2% to 1.75%. Kind of makes you want to cry.

PSD was suitable for us or rather attractive because we have 24 months of interest-free provision period and I passed as the sole borrower.